Rates as of 2-3-15

Personal Checking and Savings Accounts

$100.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.

Savings Account/Christmas Club*

Balance

Interest Rate

Annual Percentage Yield

Under $2,500

.10%

.10%

$2,500-$4,999

.10%

.10%

$5,000-$9,999

.15%

.15%

$10,000+

.15%

.15%

$100.00 minimum deposit to open account. The minumim balance required to obtain the APY is $0.01.

Money Market Savings*

Balance

Interest Rate

Annual Percentage Yield

Under $2,500

.10%

.10%

$2,500-$4,999

.10%

.10%

$5,000-$24,999

.15%

.15%

$25,000+

.20%

.20%

$100.00 minimum deposit to open account. The minumim balance required to obtain the APY is $0.01.

Money Tree Savings*

Balance

Interest Rate

Annual Percentage Yield

All Balances

.40%

.40%

$10.00 minimum deposit to open account. The minimum balance required to obtain the APY is $0.01.

Certificates of Deposit

6 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

.05%

.05%

$10,000+

.20%

.20%

$100,000+

.20%

.20%

$1,000.00 minimum deposit to open account.

12 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

.25%

.25%

$10,000+

.40%

.40%

$100,000+

.40%

.40%

$1,000.00 minimum deposit to open account.

18 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000

.35%

.35%

$10,000+

.50%

.50%

$100,000+

.50%

.50%

$1,000.00 minimum deposit to open account.

24 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

.45%

.45%

$10,000+

.60%

.60%

$100,000+

.60%

.60%

$1,000.00 minimum deposit to open account.

MoneyTree 36 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$250+

.55%

.55%

$250.00 minimum deposit to open account.

36 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

.55%

.55%

$10,000+

.90%

.90%

$100,000+

.90%

.90%

$1,000.00 minimum deposit to open account.

48 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

1.00%

1.00%

$10,000+

1.25%

1.25%

$100,000+

1.25%

1.25%

$1,000.00 minimum deposit to open account.

60 Month CD**

Balance

Interest Rate

Annual Percentage Yield

$1,000+

1.25%

1.25%

$10,000+

1.40%

1.40%

$100,000+

1.40%

1.40%

$1,000.00 minimum deposit to open account.

IRAs

18 Month IRA* **

Balance

Interest Rate

Annual Percentage Yield

$10

.75%

.75%

$10.00 minimum deposit to open account.

60 Month IRA and 60 Month Roth IRA* **

Balance

Interest Rate

Annual Percentage Yield

$1,000

1.40%

1.40%

$1,000.00 minimum deposit to open account.

12 Month Roth IRA* **

Balance

Interest Rate

Annual Percentage Yield

$25

.50%

.50%

$25.00 minimum deposit to open account.

Educational Savings Account

12 Month Coverdell Educational Savings Acct* **

Balance

Interest Rate

Annual Percentage Yield

$25

.50%

.50%

$25.00 minimum deposit to open account.

Heritage Club

Heritage Club Receives the $10,000+ Tier APY if Balance is < $100,000

Balance: The amount of principal in the account each day.*The interest rate and annual percentage yield may change after account opening.**A penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.